Using Virtual Account on the nettoto wap mobile app
The Virtual Account flow is our core payment method, designed to reduce manual input mistakes when typing account numbers on a touchscreen. Instead of a shared bank account, the system generates a unique reference number linked exclusively to your member ID for that specific transaction. This allows our ledger to credit your balance automatically without requiring a physical receipt upload.
This payment method is fully integrated with our mobile-app lobby, allowing members to top up while keeping a live blackjack, roulette, or baccarat stream open. Below we look at how a standard transaction progresses through our system.
Mobile-first banking flow
The Virtual Account panel occupies the top position in our deposit corridor. It auto-detects if your phone has a supported banking app installed, allowing you to copy the reference number with a single tap.
This path is optimized for low-bandwidth networks, ensuring that even during high-traffic holidays like Imlekthe transaction request registers instantly.
A neutral case study: transaction routing and verification
Let us look at a typical deposit scenario. A member in Bandung wants to join a live-dealer roulette table. They tap the deposit icon, select the "Virtual Account" option, and choose BNI. Our system displays a unique e-wallet reference number. The member switches to their mobile banking mobile banking app, inputs the number under the "Transfer to Virtual Account" field, and confirms the transaction. Within moments, the local payment gateway returns a confirmation status to our server, which instantly updates the member's lobby balance. This guide describes the sequence purely to show how the routing behaves, without guarantee of timeframes or limits.
Automated matching on bank networks
Because every Virtual Account code is unique to your session, our ledger does not need manual slip verification. The credit settles as soon as the bank's digital handshake completes.
Supported networks and mobile platforms
The Virtual Account channel covers all major local financial institutions. The list below represents our standard integration, available across both Android and iOS devices:
- State-Owned Banks: online payment, e-wallet, and mobile banking Virtual Account modules with real-time API feedback.
- Private Bank: local payment Virtual Account integration, accessible through m-online payment and Klike-wallet.
- E-Wallet mobile bankingdges: local payment generation, plus direct deep-linking for online payment, e-wallet, mobile banking, local payment, and online payment.
- System Availability: Operational standard windows apply, subject to scheduled offline maintenance by the individual banks.
Step-by-step deposit sequence
To initiate a transfer through your mobile web browser or the installed app, follow these steps:
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1
Initiate the requestStep 1
Navigate to the wallet menu and select Virtual Account from the list of payment categories.
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2
Copy the reference codeStep 2
Choose your bank (e-wallet, mobile banking, local payment, or online payment) and copy the generated reference digits.
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3
Complete the external transferStep 3
Open your bank app, paste the code into the Virtual Account transfer section, and authorize the payment.
